B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
Europe - FRA:DTD2 - DE0001262152 - Common Stock
2.12 EUR
+0.02 (+0.95%)
Overall DTD2 gets a fundamental rating of 5 out of 10. We evaluated DTD2 against 103 industry peers in the Software industry. DTD2 scores excellent on profitability, but there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on DTD2.
1. Profitability
1.1 Basic Checks
DTD2 had positive earnings in the past year.
In the past year DTD2 had a positive cash flow from operations.
DTD2 had positive earnings in 4 of the past 5 years.
Each year in the past 5 years DTD2 had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 6.15%, DTD2 is doing good in the industry, outperforming 63.11% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.23%, DTD2 is in the better half of the industry, outperforming 65.05% of the companies in the same industry.
DTD2 has a better Return On Invested Capital (8.15%) than 66.02% of its industry peers.
The Average Return On Invested Capital over the past 3 years for DTD2 is significantly below the industry average of 12.80%.
The 3 year average ROIC (2.95%) for DTD2 is below the current ROIC(8.15%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.15% | ||
| ROE | 11.23% | ||
| ROIC | 8.15% |
ROA(3y)2.18%
ROA(5y)1.24%
ROE(3y)4.04%
ROE(5y)2.25%
ROIC(3y)2.95%
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 13.23%, DTD2 is doing good in the industry, outperforming 62.14% of the companies in the same industry.
DTD2's Profit Margin has improved in the last couple of years.
The Operating Margin of DTD2 (17.40%) is better than 71.84% of its industry peers.
In the last couple of years the Operating Margin of DTD2 has grown nicely.
DTD2's Gross Margin of 91.19% is amongst the best of the industry. DTD2 outperforms 90.29% of its industry peers.
In the last couple of years the Gross Margin of DTD2 has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.4% | ||
| PM (TTM) | 13.23% | ||
| GM | 91.19% |
OM growth 3Y90.37%
OM growth 5YN/A
PM growth 3Y74.14%
PM growth 5YN/A
GM growth 3Y-1.2%
GM growth 5Y-1.67%
2. Health
2.1 Basic Checks
DTD2 has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
DTD2 has about the same amout of shares outstanding than it did 1 year ago.
DTD2 has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, DTD2 has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.81, we must say that DTD2 is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 1.81, DTD2 is not doing good in the industry: 64.08% of the companies in the same industry are doing better.
The Debt to FCF ratio of DTD2 is 4.34, which is a neutral value as it means it would take DTD2, 4.34 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.34, DTD2 is in line with its industry, outperforming 56.31% of the companies in the same industry.
A Debt/Equity ratio of 0.30 indicates that DTD2 is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.30, DTD2 perfoms like the industry average, outperforming 48.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 4.34 | ||
| Altman-Z | 1.81 |
ROIC/WACC1.16
WACC7.05%
2.3 Liquidity
A Current Ratio of 0.99 indicates that DTD2 may have some problems paying its short term obligations.
The Current ratio of DTD2 (0.99) is worse than 66.99% of its industry peers.
A Quick Ratio of 0.99 indicates that DTD2 may have some problems paying its short term obligations.
With a Quick ratio value of 0.99, DTD2 is not doing good in the industry: 66.02% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
DTD2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 108.91%, which is quite impressive.
The Earnings Per Share has been growing by 86.02% on average over the past years. This is a very strong growth
DTD2 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.82%.
DTD2 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.04% yearly.
EPS 1Y (TTM)108.91%
EPS 3Y86.02%
EPS 5YN/A
EPS Q2Q%138.1%
Revenue 1Y (TTM)8.82%
Revenue growth 3Y6.8%
Revenue growth 5Y7.04%
Sales Q2Q%3.23%
3.2 Future
The Earnings Per Share is expected to grow by 16.07% on average over the next years. This is quite good.
Based on estimates for the next years, DTD2 will show a small growth in Revenue. The Revenue will grow by 4.35% on average per year.
EPS Next Y41.67%
EPS Next 2Y29.1%
EPS Next 3Y20.51%
EPS Next 5Y16.07%
Revenue Next Year3.31%
Revenue Next 2Y4.84%
Revenue Next 3Y4.73%
Revenue Next 5Y4.35%
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
DTD2 is valuated cheaply with a Price/Earnings ratio of 7.85.
Based on the Price/Earnings ratio, DTD2 is valued cheaper than 98.06% of the companies in the same industry.
DTD2 is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 10.39, the valuation of DTD2 can be described as reasonable.
93.20% of the companies in the same industry are more expensive than DTD2, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of DTD2 to the average of the S&P500 Index (22.86), we can say DTD2 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.85 | ||
| Fwd PE | 10.39 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, DTD2 is valued cheaper than 95.15% of the companies in the same industry.
90.29% of the companies in the same industry are more expensive than DTD2, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.37 | ||
| EV/EBITDA | 5.44 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
DTD2 has a very decent profitability rating, which may justify a higher PE ratio.
DTD2's earnings are expected to grow with 20.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.19
PEG (5Y)N/A
EPS Next 2Y29.1%
EPS Next 3Y20.51%
5. Dividend
5.1 Amount
No dividends for DTD2!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:DTD2 (9/19/2025, 7:00:00 PM)
2.12
+0.02 (+0.95%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners11.11%
Inst Owner ChangeN/A
Ins Owners56.39%
Ins Owner ChangeN/A
Market Cap13.17M
Analysts82.86
Price Target4.59 (116.51%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-10.53%
EPS NY rev (3m)-10.53%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.85 | ||
| Fwd PE | 10.39 | ||
| P/S | 1.02 | ||
| P/FCF | 10.37 | ||
| P/OCF | 10.67 | ||
| P/B | 0.87 | ||
| P/tB | 4.6 | ||
| EV/EBITDA | 5.44 |
EPS(TTM)0.27
EY12.74%
EPS(NY)0.2
Fwd EY9.62%
FCF(TTM)0.2
FCFY9.65%
OCF(TTM)0.2
OCFY9.37%
SpS2.08
BVpS2.45
TBVpS0.46
PEG (NY)0.19
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.15% | ||
| ROE | 11.23% | ||
| ROCE | 10.96% | ||
| ROIC | 8.15% | ||
| ROICexc | 8.54% | ||
| ROICexgc | 23.09% | ||
| OM | 17.4% | ||
| PM (TTM) | 13.23% | ||
| GM | 91.19% | ||
| FCFM | 9.84% |
ROA(3y)2.18%
ROA(5y)1.24%
ROE(3y)4.04%
ROE(5y)2.25%
ROIC(3y)2.95%
ROIC(5y)N/A
ROICexc(3y)3.25%
ROICexc(5y)N/A
ROICexgc(3y)10.17%
ROICexgc(5y)N/A
ROCE(3y)3.98%
ROCE(5y)N/A
ROICexcg growth 3Y118.37%
ROICexcg growth 5YN/A
ROICexc growth 3Y110.38%
ROICexc growth 5YN/A
OM growth 3Y90.37%
OM growth 5YN/A
PM growth 3Y74.14%
PM growth 5YN/A
GM growth 3Y-1.2%
GM growth 5Y-1.67%
F-Score6
Asset Turnover0.47
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 4.34 | ||
| Debt/EBITDA | 1.42 | ||
| Cap/Depr | 3.62% | ||
| Cap/Sales | 0.28% | ||
| Interest Coverage | 9.93 | ||
| Cash Conversion | 38.09% | ||
| Profit Quality | 74.4% | ||
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 | ||
| Altman-Z | 1.81 |
F-Score6
WACC7.05%
ROIC/WACC1.16
Cap/Depr(3y)2.14%
Cap/Depr(5y)4.94%
Cap/Sales(3y)0.26%
Cap/Sales(5y)0.74%
Profit Quality(3y)3082.14%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)108.91%
EPS 3Y86.02%
EPS 5YN/A
EPS Q2Q%138.1%
EPS Next Y41.67%
EPS Next 2Y29.1%
EPS Next 3Y20.51%
EPS Next 5Y16.07%
Revenue 1Y (TTM)8.82%
Revenue growth 3Y6.8%
Revenue growth 5Y7.04%
Sales Q2Q%3.23%
Revenue Next Year3.31%
Revenue Next 2Y4.84%
Revenue Next 3Y4.73%
Revenue Next 5Y4.35%
EBIT growth 1Y270.46%
EBIT growth 3Y103.31%
EBIT growth 5YN/A
EBIT Next Year141.67%
EBIT Next 3Y37.21%
EBIT Next 5Y22.46%
FCF growth 1Y-9.42%
FCF growth 3Y62.88%
FCF growth 5YN/A
OCF growth 1Y-14.19%
OCF growth 3Y57.27%
OCF growth 5YN/A